Why my wife wants to spend more money as cmpare to our earning?

Question

She knew that at times we can't afford some lavish shopping and dinners. I used to tell her about it very clearly. Still she want to spend more and more and more and....... you got the idea

Answer 1

Set up a basic budget. First, have a separate chequing account for household expenses into which you both contribute a certain percentage of your earnings that would cover all the bills. Make an agreement between the two of you that money from this account can only be used for bills.

Second, take another percentage of your combined earnings and put it in a separate savings account, to save or invest money for your future.

Whatever is left from your paycheques, put into a third account for spending. Usually, being able to see how much money you have to spend makes people less likely to overspend.

If she is using credit cards to overspend, decrease the limit on your cards or pay off and cancel all but one which you can keep for emergencies. As long as the total available credit on all of the cards is an amount that you can comfortably afford to pay off within a reasonable amount of time, you should be o.k.

Answer 2

maybe she is bi-polar. or a compulsive shopper. She obviously does not get the hint. You cannot let her run your family and credit into the ground for fancy meals. There are many agencies that can help with financial spending and how to budget them. Maybe you can give her a limit on how much. Heck, take her credit/check card away and give her a certain amount each month in cash for just groceries and a list. It is going to take some work on your part, but if you do not want this to ruin your relationship, then something sounds like it needs drastic measures. Maybe you should do the grocery shopping for a while. Somehow limit her access to the family funds. That is the only way she is not going to spend the money on things like fancy food when you need to pay the bills.

Answer 3

Does she work? Help pay the bills? Do you have a joint bank account? If she works, tell her whatever she has left over after the bills are paid is it. If she blows it and is broke, sorry. If there's a joint account, close it. Don't allow her access to what you have left over. While I do believe in married couples jointly paying bills, I don't believe that an irresponsible partner should be allowed free access to the others money. Let her blow her own and stay broke. She'll get tired of it. Maybe it will teach her to budget more wisely.

Answer 4

I don't understand what your asking she spends to much, cut her off, give her an allowance and explain that all you have.